Category: Home Insurance

Home insurance, also known as homeowners’ insurance, is a type of coverage purchased by anyone who owns a home, whether that is a single-family residence, townhouse, condominium, or any other home ownership situation. A home insurance policy typically has certain things it covers and others that it doesn’t cover. Here is some basic information you need to know about that, courtesy of Phil Klein Insurance Group in the West Bloomfield, MI area.

Covered

Home insurance is a necessity for any homeowner, and it covers issues affecting housing structures, such as the house itself, garage, and other structures. It covers damage to belongings resulting from natural disasters like hail and wildfires as well as catastrophic events like house fires. It also covers issues like theft. It includes various belongings like furniture, lighting fixtures, appliances, electronics, and more. 

Not Covered

There are many things that home insurance covers, but there are also some things it doesn’t cover. This includes disasters like floods and hurricanes, which many home insurance policies require special insurance to cover. Many policies also do not cover mold. It is possible that your insurance offers the option to add coverage for those types of problems, so ask when you are setting up your policy. Home insurance does not cover damage caused by the owner or a guest, such as a window or a garage door that is damaged through carelessness. Although a home insurance policy provides coverage for belongings, it might not provide enough benefits for high-dollar valuables, such as fur coats and jewelry. In that type of scenario, it’s wise to consider purchasing extra coverage.

What home insurance will cover and doesn’t cover varies from policy to policy. Do you have questions or need help with getting home insurance? We’re only a phone call away. Feel free to contact Phil Klein Insurance Group, serving the West Bloomfield, MI area, when you’re ready to explore options.

Cold weather will be here before you know it in West Bloomfield, MI. You do not want it to take you by surprise and allow it to cost you money for repairs and other losses along the way. Before it gets too cold, consider implementing some of these tips from Phil Klein Insurance Group.

• Get your heater checked. The last thing you are going to want to deal with this winter is a heater that does not work with freezing temperatures outside. You can avoid this from occurring in your home by getting your heater checked now. Have a professional come out to give it a tune-up and ensure that it is working properly before it gets cold outside. 
• Prep your pipes. There is no doubt that the temperature will get below freezing at some point this winter. You should make sure that all of your exposed pipes, both inside and outside of your home, have some protective covering to help prevent them from freezing. You can get some good covers from your local hardware store and install these yourself. 
• Check your windows and doors for leaks. Unless you want to help heat up the outside, you should check for any places your heat can leak out. You should consider caulking your windows as well as checking your doors for any gaps. If you find any, get them fixed so you can save on your heating bills.

Winters in West Bloomfield, MI can be brutal, but you can keep your home safe and protected with these tips and more. Another thing to do is get a great home insurance policy to help protect you from the things that you cannot predict. Contact Phil Klein Insurance Group to get started on your quote today or try our online rating tool.